My son. Friday night was the business Christmas party. At the end it was announced that their Christmas bonus would be placed into their account at midnight. Son gets up on Saturday sees bonus ($1000) and the bank shows "Funds Available". So he pays his phone bill, utility bill, car insurance and groceries, etc. Goes into work on Monday and has a email from the company that the bonus has been withdrawn. Seems the Owner wants to play Santa Claus and hand each employee a check. So now he (and many other of the employees) are looking at overdraft charges. The owner told them he won't cover the overdraft charges because it wasn't their money to begin with. He can't quit as he and his wife are expecting in February and he needs the insurance.